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Stock research / United States / EZPW · Retail-Miscellaneous Retail · Nasdaq

Ezcorp Inc. (EZPW)

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Ezcorp Inc. (EZPW) reported revenue of $419 million for Q3 FY2026, the quarter ended 30 June 2026, up 34.7% on the same quarter a year earlier. Net income was $38 million, up 44.1% on the year, and diluted earnings per share $0.48. The figures are the company's own, from the 10-Q it filed with the SEC on 5 August 2026.

Revenue$419 millionup 34.7%
Net income$38 millionup 44.1%
Diluted EPS$0.48
QuarterQ3 FY2026ended 30 June 2026

Ezcorp (EZPW) in brief

Ezcorp (EZPW) reported revenue of $1.3 billion for fiscal 2025, the year ended 30 September 2025, up 9.7% on the year before.
Read moreNet income was $110 million and diluted earnings per share $1.42. Revenue was $1.2 billion in fiscal 2024, $1.0 billion in fiscal 2023, $886 million in fiscal 2022 and $730 million in fiscal 2021. Net income in the same years was $83 million, $38 million, $50 million and $9 million. Over the twelve months to 30 June 2026, Ezcorp reported revenue of $1.6 billion and net income of $158 million. Revenue grew 9.1% a year, compounded, over the five years to fiscal 2025. At 30 June 2026 it carried $519 million of debt and $311 million of cash. At the close of 9 October 2026 the market cap of Ezcorp was $2.7 billion, 16.1 times its earnings over the last twelve months.

Ratios

From the filings

ROE13.6%
ROCE13.1%
Operating margin13.9%
Net margin10.0%
FCF margin8.7%
Interest cover6.67
Debt to equity0.45
Cash conversion1.15
Share count, 1 yearn/a
Sales CAGR, 3 years12.9%
Profit CAGR, 3 years29.8%
EPS, TTM$1.98

At the close of 9 October 2026

Price$31.93
Market cap$2.7 billion
Stock P/E16.13
Price to book2.29
EV / EBITDA11.19
Dividend yieldn/a
Market cap / sales1.68
52-week high$35.59
52-week low$17.41
Price, 1 year69.6%
Price CAGR, 3 years56.4%
Price CAGR, 5 years31.1%
Worked from the filed figures; hover a name for the formula.
Read moreThe priced ones use the latest price, the last regular-hours trade on IEX. Debt to equity here stands on long-term debt as Ezcorp Inc. files it, with lease liabilities counted separately and never inside it. Nothing here is a valuation or a view.
EZPWgreeksoup.ai
Daily prices to 9 October 2026, adjusted for splits; from 28 September 2026 each day's price is the last regular-hours trade on IEX.
Read moreData provided for free by IEX. By accessing or using IEX Historical Data, you agree to the IEX Historical Data Terms of Use. Day by day for the last three years; before that one point a week, carrying the week's last close and its average daily volume, so a volume bar means the same thing across the whole series; the bars sit under the price on their own scale, on the right. The moving averages need consecutive days and are drawn from the daily part. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Before the quarters on file begin, P/E, price to book and market cap to sales stand on each annual report from the day it was filed. Drawn in your browser; the range and overlay you pick are remembered here only.

The public record on EZPW

Filings12 in twelve months: 7 current reports (8-K), about 6 regulation FD disclosure; 4 results of operations; 1 other events; 1 shareholder vote
Planned insider sales8 Form 144 notices in twelve months, $4.9 million; latest 24 August 2026
Options tapeput/call 0.19 by open interest at the 9 October 2026 close; the straddle prices a 5.5% move to 16 October 2026
13F holders8 of the followed funds hold it; largest FMR LLC; 5 Schedule 13D or 13G filings in twelve months
Insider trading11 sales and 0 purchases on Form 4 in twelve months
Congress0 House trades disclosed in six months
Short interest12.3 million shares short, 16.94 days to cover at 30 September 2026
Documentsthe 10-K, the 10-Qs, the proxy and 4 earnings press releases, each linked

Quarterly results, the last 12 quarters

Q4 FY2023 *Q1 FY2024Q2 FY2024Q3 FY2024Q4 FY2024 *Q1 FY2025Q2 FY2025Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026Q3 FY2026
Revenue270300286281295320306311337382447419
Gross profit159173168167175185178184199223260246
Gross margin59%58%59%59%60%58%58%59%59%58%58%59%
Operating income16.637.127.322.226.041.934.236.037.060.667.854.8
Operating margin6%12%10%8%9%13%11%12%11%16%15%13%
Interest expense3.53.43.43.53.23.13.38.58.18.28.48.4
Pre-tax income13.137.728.723.026.341.434.434.736.359.265.552.0
Tax rate22%24%25%22%42%25%26%24%26%25%24%26%
Net income10.328.521.517.915.231.025.426.526.744.349.138.2
Net margin4%9%8%6%5%10%8%9%8%12%11%9%
Diluted EPS$0.16$0.36$0.29$0.25$0.20$0.40$0.33$0.34$0.34$0.55$0.61$0.48
Operating cash flow27.521.515.133.743.326.036.934.851.339.148.542.8
Capital expenditure12.77.26.53.218.95.68.49.115.57.510.59.9
Free cash flow14.814.38.630.524.420.428.625.735.731.738.032.9
Buybacks3.03.03.03.03.03.01.02.01.00.04.04.0
Filing10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q
Each quarter as filed, linked to its filing.
Read more* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS and diluted share count are from the company's results press release for that quarter, used where the release gives the same revenue and net income as the table. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Income statement (profit and loss), 12 fiscal years and the trailing twelve months

FY2014 †FY2015 †FY2016 †FY2017 †FY2018 †FY2019FY2020FY2021 †FY2022FY2023FY2024FY2025TTM
Revenue7467207317488128478237308861,0491,1621,2741,584
Cost of revenue249268258267n/an/an/an/an/an/an/an/an/a
Gross profit422403428436482494449449528610682746928
Gross margin56.6%56.0%58.6%58.2%59.3%58.4%54.6%61.6%59.6%58.1%58.7%58.5%58.6%
Operating income18.1-15.629.253.067.147.0-48.431.274.992.2113149220
Operating margin2.4%-2.2%4.0%7.1%8.3%5.5%-5.9%4.3%8.5%8.8%9.7%11.7%13.9%
Interest expense7.916.416.527.827.832.622.522.210.016.513.623.033.0
Pre-tax income7.9-66.20.442.755.54.2-70.116.167.751.6116147213
Income tax4.5-14.09.411.118.42.4-1.67.517.613.232.537.253.8
Effective tax rate56.4%n/a2578.8%26.0%33.1%57.6%n/a46.4%25.9%25.5%28.1%25.3%25.3%
Net income-67.7-89.2-80.731.437.32.5-68.58.650.238.583.1110158
Net margin-9.1%-12.4%-11.1%4.2%4.6%0.3%-8.3%1.2%5.7%3.7%7.2%8.6%10.0%
Diluted EPS-$1.25-$1.64-$1.49$0.58$0.64$0.04-$1.24$0.15$0.70$0.53$1.10$1.42$1.98
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
From each year's 10-K, linked; TTM is the last four quarters.
Read moreFree cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Revenue by segment

FY2023FY2024FY2025Share
latest year
U.S. Pawn76283691271.6%
Latin America Pawn28732536228.4%
Other Investments0.10.00.00.0%
U.S. PawnLatin America PawnOther Investments
1,049FY20231,162FY20241,274FY2025

$ million; hover a block for its figure and share

From the latest 10-K, in the company's own words.
Read moreA year is shown only where the parts add up to the revenue above. Fiscal years are labelled by the year they end in.

Revenue by product or service

FY2023FY2024FY2025Share
latest year
Merchandise sales61566470155.0%
Pawn service charges38443747437.2%
Jewelry scrap sales49.561.198.97.8%
Other revenues0.30.20.20.0%
Merchandise salesPawn service chargesJewelry scrap salesOther revenues
1,049FY20231,162FY20241,274FY2025

$ million; hover a block for its figure and share

From the latest 10-K, in the company's own words.
Read moreA year is shown only where the parts add up to the revenue above. Fiscal years are labelled by the year they end in.

Revenue by region

FY2023FY2024FY2025Share
latest year
United States76283691271.6%
Mexico22424826721.0%
Latin America63.377.994.57.4%
Other Investments0.10.00.00.0%
United StatesMexicoLatin AmericaOther Investments
1,049FY20231,162FY20241,274FY2025

$ million; hover a block for its figure and share

From the latest 10-K, in the company's own words.
Read moreA year is shown only where the parts add up to the revenue above. Fiscal years are labelled by the year they end in.

Cash flow and capital returned

FY2014 †FY2015 †FY2016 †FY2017 †FY2018 †FY2019FY2020FY2021 †FY2022FY2023FY2024FY2025TTM
Operating cash flow74.779.468.150.789.010449.146.466.5102114149182
Capital expenditure23.023.713.325.040.538.828.523.631.940.435.838.643.3
Free cash flow51.755.754.925.748.564.720.622.834.661.477.8110138
Free cash flow margin6.9%7.7%7.5%3.4%6.0%7.6%2.5%3.1%3.9%5.9%6.7%8.7%8.7%
Cash from investing-80.1-67.73.0-13.4-134-27.8110-84.6-113-111-112-118-177
Cash from financing32.52.4-63.253.4168-198-6.3-16.3-2.823.7-50.2274-165
Depreciation and amortisation38.637.028.723.725.528.830.830.732.132.133.132.536.2
Share-based compensation6.82.45.35.910.89.8-5.13.95.19.510.412.515.9
Buybacks11.90.011.80.00.00.05.20.02.017.012.07.09.0
Diluted shares, weighted54m54m54m54m58m56m55m56m82m81m84m83m83m
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
Cash paid in the year, from the cash flow statement.
Read moreThe dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet at year end

FY2014 †FY2015 †FY2016 †FY2017 †FY2018 †FY2019FY2020FY2021 †FY2022FY2023FY2024FY2025TTM
Funded by
Shareholders' equity8126565956627437456496726927468051,0251,165
Non-controlling interestn/a0.0-0.8-2.4-3.30.0n/an/an/an/an/a0.03.1
Redeemable equity22.815.70.0n/an/an/an/an/an/an/an/an/an/a
Debt392198284285417239251311313360327518519
Operating lease liabilitiesn/an/an/an/an/a153153161181193181185221
Finance lease liabilitiesn/an/an/an/an/an/an/a0.00.11.71.10.60.4
Other liabilities18331910579.685.5n/a144122162167180222257
Total liabilities and equity1,4111,1899831,0241,2421,0841,1971,2671,3481,4681,4931,9512,166
Owned
Fixed assets10673.958.558.073.667.457.053.856.768.166.075.389.0
Goodwill347252254255299301258286287302306325475
Intangible assets66.130.830.732.454.968.058.662.156.858.258.558.8125
Cash and equivalents55.359.165.7164285158305254206221171470311
Receivablesn/an/an/a19.518.910.97.09.38.430.5n/an/an/a
Inventory13812414015416717995.9111152166192248316
Other assets698649434341343300416491581621700774850
Total assets1,4111,1899831,0241,2421,0841,1971,2671,3481,4681,4931,9512,166
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
At the fiscal year end; the TTM column is the latest quarter end.
Read moreBoth totals are the company's own. Other liabilities is the filed total less the rows above it: payables, deferred revenue, taxes, borrowings the rows above do not carry and the rest; other assets is the same on the other side. Investments add the current and non-current lines as filed. Debt is the company's own stated total where it files one, otherwise its long-term debt with the current maturities, never parts added together. A row is left blank in a year where the lines shown overlap and the remainder would fall below nil.

Compounded growth

10 years5 years3 yearsTTM
Sales growth, compounded5.9%9.1%12.9%28.6%
Profit growth, compoundedn/an/a29.8%61.4%
Return on equity, average2.1%6.9%8.7%10.7%
Yearly growth, compounded; TTM is the last four quarters against the four before.
Read moreReturn on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Questions

What was Ezcorp's revenue in fiscal 2025?

Ezcorp (EZPW) reported revenue of $1.3 billion for fiscal 2025, the year ended 30 September 2025, up 9.7% on the year before.

How much did Ezcorp earn in fiscal 2025?

Net income was $110 million for fiscal 2025, and diluted earnings per share $1.42.

What is Ezcorp's P/E ratio?

At the close of 9 October 2026, Ezcorp traded at 16.1 times its earnings over the twelve months to 30 June 2026.

What is Ezcorp's market cap?

The market cap of Ezcorp was $2.7 billion at the close of 9 October 2026.

How much debt does Ezcorp have?

At 30 June 2026 Ezcorp carried $519 million of debt and $311 million of cash.

Peers: Retail

CompanyMarket capP/EROEOp. marginSales growth
TTM
Debt to equityDiv. yield
FirstCash Holdings, Inc. FCFS$9.3 billion24.3916.7%12.8%21.6%1.010.7%
Bath & Body Works, Inc. BBWI$3.5 billion4.52n/a16.7%-2.2%n/a4.6%
Academy Sports & Outdoors, Inc. ASO$3.3 billion8.9218.2%9.6%3.7%0.230.2%
American Eagle Outfitters Inc. AEO$3.0 billion9.4119.1%7.8%9.2%0.032.8%
Asbury Automotive Group Inc. ABG$3.0 billion6.2713.0%4.4%4.1%0.77n/a
Group 1 Automotive Inc. GPI$2.8 billion9.679.8%3.1%0.8%1.140.9%
Ezcorp Inc. EZPW$2.7 billion16.1313.6%13.9%28.6%0.45n/a
Advance Auto Parts Inc. AAP$2.5 billion30.883.7%2.7%-1.3%1.502.4%
Kohls Corp. KSS$2.3 billion8.886.5%3.8%-2.9%0.322.5%
Buckle Inc. BKE$2.3 billion10.1845.2%20.8%6.2%0.0010.0%
RH RH$2.2 billion20.8292.7%10.0%3.3%19.69n/a
Winmark Corp. WINA$1.0 billion26.50n/a62.3%3.8%n/a1.1%
All 67 in Retail
CompanyMarket capP/EROEOp. marginSales growth
TTM
Debt to equityDiv. yield
Amazon.com Inc. AMZN$2.83 trillion21.1124.5%12.1%15.8%0.24n/a
Walmart Inc. WMT$883.5 billion40.2022.5%4.4%6.2%0.410.8%
Costco Wholesale Corp. COST$419.7 billion45.6125.8%3.9%10.1%0.110.6%
Home Depot, Inc. HD$290.2 billion20.3585.6%12.4%2.5%2.643.2%
TJX Companies Inc. TJX$152.8 billion25.6557.0%n/a7.7%0.181.2%
CVS Health Corp. CVS$110.1 billion22.806.1%2.0%7.4%0.753.1%
Lowe's Companies Inc. LOW$104.3 billion15.72n/a11.4%8.2%n/a2.6%
Sherwin Williams Co. SHW$77.5 billion29.4369.7%n/a5.8%3.131.0%
ROSS Stores, Inc. ROST$71.1 billion26.9339.4%13.7%14.0%0.150.7%
O'Reilly Automotive, Inc. ORLY$70.6 billion27.54n/a19.6%8.5%n/an/a
Target Corp. TGT$69.8 billion15.9624.6%5.6%2.0%0.803.0%
Fastenal Co. FAST$58.2 billion43.0133.2%20.3%12.5%0.031.8%
Autozone Inc. AZO$48.0 billion20.21n/a18.0%5.7%n/an/a
Carvana Co. CVNA$47.2 billion36.8838.9%8.9%54.0%1.21n/a
JD.com, Inc. JD *$37.2 billion14.088.7%0.2%13.0%0.333.9%
Kroger Co. KR$36.4 billion33.5018.6%1.4%1.6%2.632.3%
Williams Sonoma Inc. WSM$28.5 billion24.7555.1%19.2%2.2%0.001.2%
Dollar General Corp. DG$28.1 billion16.5518.3%5.6%4.8%0.491.9%
Copart Inc. CPRT$25.3 billion17.6316.3%35.4%0.4%0.00n/a
Ulta Beauty, Inc. ULTA$24.4 billion20.7945.8%12.5%11.2%0.130.0%
Caseys General Stores Inc. CASY$23.9 billion31.1218.9%8.3%13.8%0.570.2%
Dollar Tree, Inc. DLTR$22.3 billion14.4847.1%11.0%8.2%0.86n/a
Best Buy Co., Inc. BBY$18.3 billion14.4840.0%4.1%1.4%0.364.4%
CDW Corp. CDW$17.8 billion17.0944.2%7.1%7.4%1.971.8%
Tractor Supply Co. TSCO$17.6 billion17.5538.5%8.5%4.0%0.822.8%
Burlington Stores, Inc. BURL$17.4 billion24.8535.7%7.7%10.9%0.95n/a
Penske Automotive Group, Inc. PAG$12.9 billion14.4615.6%n/a0.6%0.892.6%
BJ's Wholesale Club Holdings, Inc. BJ$12.5 billion21.5627.1%3.8%9.1%0.18n/a
Dick'S Sporting Goods, Inc. DKS$12.3 billion14.6714.7%5.5%53.5%0.333.5%
GameStop Corp. GME$11.9 billion17.5014.5%13.5%-7.7%0.680.4%
Five Below, Inc. FIVE$11.8 billion19.2925.0%14.7%25.6%0.000.0%
Murphy USA Inc. MUSA$9.7 billion16.0878.9%4.3%10.3%2.770.4%
FirstCash Holdings, Inc. FCFS$9.3 billion24.3916.7%12.8%21.6%1.010.7%
GAP Inc. GAP$8.2 billion6.9331.6%11.0%1.1%0.382.8%
Chewy, Inc. CHWY$7.8 billion28.7373.9%2.5%5.9%1.60n/a
Carmax Inc. KMX$7.5 billion25.664.6%n/a4.8%2.76n/a
Urban Outfitters Inc. URBN$7.0 billion12.8419.9%11.3%11.0%0.00n/a
Victoria's Secret & Co. VSXY$6.6 billion18.4438.2%7.9%10.3%0.98n/a
Lithia Motors Inc. LAD$6.4 billion9.6211.2%4.1%2.1%1.800.8%
Sprouts Farmers Market, Inc. SFM$6.1 billion12.4833.5%7.4%7.2%0.07n/a
Abercrombie & Fitch Co. ANF$6.1 billion12.2139.6%13.7%4.7%0.000.0%
Albertsons Companies, Inc. ACI$5.9 billion152.504.1%0.7%2.7%5.224.9%
Macy's, Inc. M$5.9 billion8.3015.2%5.0%0.3%0.493.2%
Autonation, Inc. AN$5.2 billion7.2934.3%4.8%-0.1%1.58n/a
Pricesmart Inc. PSMT$5.2 billion32.4111.5%4.5%10.2%0.130.7%
Ollie's Bargain Outlet Holdings, Inc. OLLI$5.1 billion19.0614.4%12.3%14.4%0.001.2%
Floor & Decor Holdings, Inc. FND$4.9 billion21.169.3%6.4%2.4%0.08n/a
Insight Enterprises Inc. NSIT$4.8 billion23.9613.1%4.6%2.7%0.92n/a
Openlane, Inc. OPLN$4.5 billionn/a12.8%11.5%11.8%1.540.0%
Signet Jewelers Ltd. SIG$4.1 billion12.1219.3%6.8%0.6%0.001.3%
Boot Barn Holdings, Inc. BOOT$3.6 billion15.1817.9%13.6%17.6%0.00n/a
Rush Enterprises Inc. \Tx\ RUSHA$3.6 billion13.4111.4%5.1%-5.9%0.531.7%
Bath & Body Works, Inc. BBWI$3.5 billion4.52n/a16.7%-2.2%n/a4.6%
Academy Sports & Outdoors, Inc. ASO$3.3 billion8.9218.2%9.6%3.7%0.230.2%
American Eagle Outfitters Inc. AEO$3.0 billion9.4119.1%7.8%9.2%0.032.8%
Asbury Automotive Group Inc. ABG$3.0 billion6.2713.0%4.4%4.1%0.77n/a
Group 1 Automotive Inc. GPI$2.8 billion9.679.8%3.1%0.8%1.140.9%
Ezcorp Inc. EZPW$2.7 billion16.1313.6%13.9%28.6%0.45n/a
Advance Auto Parts Inc. AAP$2.5 billion30.883.7%2.7%-1.3%1.502.4%
Kohls Corp. KSS$2.3 billion8.886.5%3.8%-2.9%0.322.5%
Buckle Inc. BKE$2.3 billion10.1845.2%20.8%6.2%0.0010.0%
RH RH$2.2 billion20.8292.7%10.0%3.3%19.69n/a
Sonic Automotive Inc. SAH$1.9 billion9.6520.7%3.3%5.3%1.710.4%
Sally Beauty Holdings, Inc. SBH$1.5 billion8.2822.1%8.4%1.1%0.94n/a
Grocery Outlet Holding Corp. GO$1.2 billionn/a-46.7%-7.9%5.1%0.62n/a
Marinemax Inc. HZO$1.2 billion373.930.4%3.0%-5.4%0.35n/a
Winmark Corp. WINA$1.0 billion26.50n/a62.3%3.8%n/a1.1%
2 companies share its SEC industry code (Retail-Miscellaneous Retail); the rest are the names nearest in size in its wider industry, Retail, one of the Fama-French 48 industries, a published grouping of SEC industry codes.
Read moreBy market capitalisation; a click on a heading sorts by it, largest first, and a second click turns it round. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close; a name marked * is a foreign company that files once a year, on its latest fiscal year.

Filings

FilingPeriodFiledWhere
10-Q30 June 20265 August 2026EDGAR
10-Q31 March 20266 May 2026EDGAR
10-Q31 December 20254 February 2026EDGAR
10-K30 September 202513 November 2025EDGAR
10-Q30 June 202530 July 2025EDGAR
10-Q31 March 202528 April 2025EDGAR
10-Q31 December 20245 February 2025EDGAR
10-K30 September 202413 November 2024EDGAR
10-Q30 June 202431 July 2024EDGAR
10-Q31 March 20241 May 2024EDGAR

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